**3.4 Financial pressure**

Financial anxiety is considered an issue many students face when studying at higher education intuitions because they are responsible for paying for their studies, especially those at private institutions. Some of them may be in debt. This financial pressure leads students to feel anxiety, which causes them psychological distress [26] that results in a lower grade point average (GPA). Some students who face difficulties in understanding difficult subjects depend on costly private instructors. Students also need money for daily expenses such as food and transportation. When students feel they do not have enough money, they may be anxious and ask friends for money, which negatively affects students' feelings, leading to stress and anxiety.
